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Disability Insurance for Chiropractors in Kentucky

Considerations for Chiropractors

Not many insurers are willing to underwrite chiropractors for disability income insurance, but there are a few that will, with up to a five (5) year Benefit Period. One important option (not shown) is group disability insurance, which costs much less and bypasses individual underwriting. To find out if your chiropractic practice qualifies, submit an intake form.

A policy configured to pay a benefit of $3,000 per month from day 91 for up to 5 years per claim, except for psych/substance claims (24 months) might cost as follows:

Male age 25: $74.42 per month, may increase

Male age 26: $77.25 per month, may increase

Male age 27: $80.07 per month, may increase

Male age 28: $83.13 per month, may increase

Male age 29: $86.49 per month, may increase

Male age 30: $89.81 per month, may increase

Male age 31: $93.67 per month, may increase

Male age 32: $97.52 per month, may increase

Male age 33: $101.88 per month, may increase

Male age 34: $106.50 per month, may increase

Male age 35: $111.62 per month, may increase

Male age 36: $117.77 per month, may increase

Male age 37: $124.19 per month, may increase

Male age 38: $131.13 per month, may increase

Male age 39: $138.31 per month, may increase

Male age 40: $145.49 per month, may increase

Male age 41: $152.43 per month, may increase

Male age 42: $159.35 per month, may increase

Male age 43: $166.53 per month, may increase

Male age 44: $173.98 per month, may increase

Male age 45: $182.19 per month, may increase

Male age 46: $191.16 per month, may increase

Male age 47: $200.93 per month, may increase

Male age 48: $210.94 per month, may increase

Male age 49: $221.21 per month, may increase

Male age 50: $231.71 per month, may increase

Male age 51: $243.01 per month, may increase

Male age 52: $255.31 per month, may increase

Male age 53: $267.64 per month, may increase

Male age 54: $278.41 per month, may increase

Male age 55: $287.15 per month, may increase

Male age 56: $291.77 per month, may increase

Male age 57: $293.81 per month, may increase

Male age 58: $294.84 per month, may increase

Male age 59: $296.39 per month, may increase

Male age 60: $297.92 per month, may increase

Female age 25: $112.86 per month, may increase

Female age 26: $119.14 per month, may increase

Female age 27: $125.64 per month, may increase

Female age 28: $132.29 per month, may increase

Female age 29: $139.13 per month, may increase

Female age 30: $146.15 per month, may increase

Female age 31: $153.89 per month, may increase

Female age 32: $162.33 per month, may increase

Female age 33: $170.65 per month, may increase

Female age 34: $178.25 per month, may increase

Female age 35: $184.85 per month, may increase

Female age 36: $191.69 per month, may increase

Female age 37: $197.45 per month, may increase

Female age 38: $202.65 per month, may increase

Female age 39: $207.87 per month, may increase

Female age 40: $213.92 per month, may increase

Female age 41: $220.55 per month, may increase

Female age 42: $227.75 per month, may increase

Female age 43: $234.96 per month, may increase

Female age 44: $241.64 per month, may increase

Female age 45: $247.47 per month, may increase

Female age 46: $249.59 per month, may increase

Female age 47: $249.96 per month, may increase

Female age 48: $250.30 per month, may increase

Female age 49: $251.41 per month, may increase

Female age 50: $254.87 per month, may increase

Female age 51: $261.70 per month, may increase

Female age 52: $271.00 per month, may increase

Female age 53: $280.87 per month, may increase

Female age 54: $289.50 per month, may increase

Female age 55: $295.36 per month, may increase

Female age 56: $300.25 per month, may increase

Female age 57: $302.31 per month, may increase

Female age 58: $303.34 per month, may increase

Female age 59: $305.13 per month, may increase

Female age 60: $306.93 per month, may increase

In this example, the policy form is DI105 issued by Illinois Mutual, assuming no adverse health ratings, non-nicotine, with a 2 year special limit on psych/substance claims. This is a generic example, not a quote. To find out your actual cost - and what you qualify for - you must apply so that the insurer may underwrite for your individually specific risk factors. Each insurer has their own information practices disclosure, but the areas of interest are generally regarding occupation, employment, financial, lifestyle and medical history.

Cost reduction options will be discussed after your submitted intake form has been reviewed.

C9551 consumer brochure
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Understanding the need for disability income protection

Illinois Mutual C9551

C9623 consumer brochure
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A summary of policy features and options

Illinois Mutual C9623

calculate instant quote
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Get an idea of what this might cost

for Chiropractors in Kentucky

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Request customized proposals or get the application process started using this intake form.  The process will be explained as you go along and most questions are optional for now. 

 

If you have a quick question, just call Rip directly or send a note

This is an insurance solicitation per regulations issued by the Kentucky Department of Insurance 500 Mero Street, 2 SE 11 Frankfort, KY 40601 502-564-3630 #https://insurance.ky.gov# ;insurance license # 1026779 (Rip Curtis)

We're a broker.
These are some of the insurers we work with.

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Availability is subject to underwriting and state approval.

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